visitor medical insurance Comprehensive and limited coverage difference

Type of Visitor Medical Insurance for USA

There are two type of visitor medical insurance policies are available in the market, based on the benefit and coverage they provide, visitor medical insurance policies can be categorized as

Limited Coverage Visitor coverage policy ( Benefits are fixed, limited to per incident)

Comprehensive Visitors coverage polices ( Benefits are percentage based)

A comprehensive visitors coverage policy is most popular choice among USA visitors, since it provides greater coverage and benefit. A comprehensive visitor insurance policy is highly recommended and a best choice for parents visiting USA or Canada.
Since the cost of health care is high in America a comprehensive coverage policy can be a peace of mind for visitors to USA.

A) Comprehensive Visitors Coverage Plan

B) Schedule benefits plan (Limited coverage plans/ Fixed Coverage Plan)

A. Comprehensive Coverage

B. Scheduled Benefit / Limited Coverage Plan

Coverage

Enhanced and better benefits when compared with limited coverage plans. Best suitable for high risks or big expenses.

Provide Basic Coverage. Good for general or basic service and to cover lower risks.

Benefit and Liability

Most comprehensive coverage plans work like PPO plans where insured liability is deductible and co-insurance.

Basic coverage, all possible medical treatment/service cost is pre decided. Example each Dr visit X $

PPO Network

Most of them are PPO type plans and has PPO network, means grater acceptance inside the network and get discounted rates.

No PPO network. You can visit any Dr, hospital expenses will be paid as per the pre defined rates in the policy.

Can you visit any Doctor or Hospital?

You may visit any docto, but it is advisable to visit a facility under the Provider Network if PPO network is available.

Yes, But no matter which Dr you go, plan will pay you predefined limit of per Dr Visit or service taken.

Travel Related coverage

Most of them have travel related coverage bundled, and provide you with coverage for trip cancellations, baggage loss, terrorism etc.

None.

Rates/Cost

Higher premium

Low premium (low cost)

Example Plan

Liaison International, Atlas America, Visit-USA etc.

Inbound USA, Inbound Guest

Source : VisitorsCoverage.com

While researching your option you must consider policy specific restrictions. Must review the policy for covered benefits and exclusion in detail.

What Plan type should I buy ?

1. "I want to pay less and buy a basic coverage plan, but I know and understand that limited coverage plans may not be adequate in case of a bigger medical/accident condition. In such an event, I am ready to pay any additional expenses from my pocket"

Go for a Limited coverage plan.

2. "I do not want to take any risk and would prefer to pay a little more now, but want a coverage that protects me from any bigger expenses".

Go for a Comprehensive coverage plan.

(Note: For Age 80+ most of the comprehensive coverage plans has limitation on maximum coverage, call customer support 866-384-9104 Or e-mail at support@VisitorsCoverage.com to get assistance)

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